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cap 1 victory!

New Contributor

cap 1 victory!

was about to ditch the 300 limit platinum card. had it for 3 years, no increase, 29 fee. used to rebuild. Was about to ditch it when i saw some EO successs, wrote the email, when they called i asked for 2k, raised me to 1 k today! pretty nice, altough i prob still wont use it haha, barclays got me a 4k rewards cards so i just use that. still helps though.


waiting on word back about my orchard account they took over. at 700 asked for 2k as well.



was guaranteed both would be a soft pull.



thanks my fico!!

Valued Contributor

Re: cap 1 victory!

Congratulations!  You deserve it!

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Established Contributor

Re: cap 1 victory!

How long did it take to get a response? Also, was it for the partially secured card, or was it unsecured?

AMEX PRG - NPSL I AMEX Everyday Preferred - $34.8k I Capital One Venture - $20k I Chase Sapphire Preferred - $25.5k I Chase Southwest Rapid Rewards Premier - $20.7k I Barclay Arrival + - $10k I Capital One Quicksilver - $10k I NFCU Flagship Rewards Visa Signature - $15k I NASA FCU - $10k I Texell FCU Visa - $5k I Chase Freedom - $9.9k I Citi Double Cash - $7.8k I Discover IT - $5k I NFCU CLOC - $15k I Total Unsecured Credit - $188,700

EQ FICO - 714 (5/24/16) I TU FICO - 772 (5/24/16) I EX FICO - 770 (5/24/16)
Valued Contributor

Re: cap 1 victory!

Congrats Kris!

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
New Contributor

Re: cap 1 victory!

I talked to them late Friday and they called me back today..... So about 2 days. Also It was always a unsecured card.
Valued Member

Re: cap 1 victory!

Congrats, on the increase.


I myself have an Orchard Bank card

nothing to great at least I would not consider it to good at all(wish I had at least a better CL for Score purposes)

$320 limit

$79 december annual fee... (jeez, I've seen better annual fees from plenty of cards...)

but better then nothing I sappose, lol. This was my first card btw, use it here and there try to keep any balance on it low, just passed 2 year mark, I'm looking into getting a better card here real soon.

But in any event at the moment, if i wanted a CLI for this particular card do I contact Capital One or must I contact Orchard Bank about this. Or at the moment would either work? I knew for some time orchard bank would not take Customer Requested CLI so I never tried before, since Cap One is partnering / aquiring(sp) the Orchard Bank business I was not sure if this was different now.

MyFico (Oct 8, 2013):
Experion: 701 -- Equifax: 705 -- TransUnion: 717

Discover IT: $2,650 -- Capital One Platinum $1K -- Cap One QuickSilver $3K -- Chase Freedom $3K
Valued Contributor

Re: cap 1 victory!

Two days, pretty good. Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15